LIC Housing Finance

Market Cap (₹ Cr.)

₹35,039

52 Week High

826.75

Book Value

₹572

52 Week Low

435.00

PE Ratio

7.17

PB Ratio

1.04

PE for Sector

19.09

PB for Sector

-6.28

ROE

15.12 %

ROCE

9.55 %

Dividend Yield

1.41 %

EPS

₹86.33

Industry

Finance

Sector

Finance - Housing

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

20.02 %

Net Income Growth

64.62 %

Cash Flow Change

63.57 %

ROE

42.18 %

ROCE

19.07 %

EBITDA Margin (Avg.)

3.36 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	2,861	2,965	3,089	3,157	3,274	3,380	3,490	3,549	3,662	3,648	3,759	3,626	3,888	4,059	4,208	4,439	4,658	4,807	4,979	4,996	4,887	4,977	4,982	4,924	4,964	4,859	4,715	5,070	5,309	5,291	5,092	5,876	6,415	6,747	6,759	6,793	6,937	6,784	6,932
Expenses	133	126	134	153	193	252	164	184	283	293	337	82	222	243	321	247	270	354	409	523	283	183	260	347	1,207	1,104	887	549	421	478	798	1,026	564	585	666	680	793	384	365
EBITDA	2,728	2,840	2,956	3,003	3,081	3,127	3,326	3,365	3,379	3,355	3,423	3,544	3,666	3,816	3,887	4,192	4,388	4,454	4,570	4,473	4,604	4,794	4,722	4,577	3,757	3,755	3,828	4,521	4,888	4,813	4,294	4,850	5,851	6,162	6,092	6,113	6,144	6,400	6,567
Operating Profit %	95 %	96 %	96 %	95 %	94 %	92 %	95 %	95 %	92 %	92 %	91 %	98 %	94 %	94 %	92 %	94 %	94 %	93 %	92 %	90 %	94 %	96 %	95 %	93 %	76 %	77 %	81 %	89 %	92 %	91 %	84 %	83 %	91 %	91 %	90 %	90 %	89 %	94 %	95 %
Depreciation	2	2	2	2	2	2	2	2	2	2	2	2	3	3	3	3	3	10	12	13	13	12	12	13	12	12	13	13	14	15	16	16	19	18	12	17	17	22	23
Interest	2,150	2,259	2,309	2,355	2,384	2,502	2,563	2,597	2,570	2,698	2,780	2,823	2,849	3,025	3,138	3,330	3,398	3,603	3,702	3,715	3,764	3,764	3,700	3,595	3,393	3,550	3,506	3,546	3,559	3,658	3,900	4,241	4,388	4,494	4,600	4,647	4,650	4,750	4,880
Profit Before Tax	575	579	644	646	694	623	761	766	806	655	640	718	814	788	745	860	986	841	856	745	827	1,018	1,009	970	352	193	309	962	1,314	1,140	379	593	1,445	1,649	1,480	1,449	1,476	1,628	1,664
Tax	167	197	233	227	246	216	266	266	277	218	126	243	219	220	172	263	293	230	84	148	405	200	218	243	-47	39	61	195	196	215	74	113	265	325	292	286	385	328	335
Net Profit	378	382	412	419	448	408	495	499	529	480	514	475	594	568	573	596	694	611	772	598	421	817	791	727	399	153	248	767	1,119	925	305	480	1,180	1,324	1,188	1,163	1,091	1,300	1,329
EPS in ₹	7.50	7.57	8.16	8.30	8.88	8.08	9.80	9.89	10.49	9.50	10.18	9.41	11.78	11.25	11.36	11.82	13.74	12.10	15.30	11.84	8.35	16.20	15.67	14.41	7.90	3.04	4.51	13.95	21.10	16.82	5.54	8.73	21.46	24.06	21.60	21.14	19.83	23.64	24.16

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	1,12,545	1,30,498	1,50,900	1,71,090	2,00,583	2,16,806	2,35,633	2,54,567	2,78,412	2,91,205
Fixed Assets	80	92	97	97	136	254	243	286	356	361
Current Assets	10,284	12,348	14,587	2,416	3,306	2,547	1,723	1,417	1,355	2,338
Capital Work in Progress	0	0	0	0	0	0	4	1	1	0
Investments	0	5	0	1,972	3,595	5,496	4,636	6,199	6,976	6,277
Other Assets	1,12,465	1,30,401	1,50,803	1,69,021	1,96,852	2,11,055	2,30,750	2,48,081	2,71,079	2,84,567
Total Liabilities	1,04,727	1,21,352	1,39,823	1,56,849	1,84,324	1,98,613	2,15,112	2,29,895	2,51,312	2,59,810
Current Liabilities	22,520	28,211	32,989	18,189	29,591	30,919	34,360	33,359	40,832	35,216
Non Current Liabilities	82,207	93,141	1,06,834	1,38,660	1,54,733	1,67,693	1,80,752	1,96,537	2,10,480	2,24,594
Total Equity	7,818	9,146	11,077	14,241	16,259	18,193	20,521	24,672	27,100	31,395
Reserve & Surplus	7,717	9,045	10,976	14,140	16,158	18,092	20,420	24,562	26,990	31,285
Share Capital	101	101	101	101	101	101	101	110	110	110

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-174	1,001	511	460	893	-1,436	-37	-507	-203	818
Investing Activities	-51	-61	-283	1,380	-1,656	-1,879	884	-1,601	-830	573
Operating Activities	-14,354	-13,036	-14,279	-19,004	-21,529	-14,715	-17,195	-16,740	-19,612	-7,055
Financing Activities	14,232	14,098	15,073	18,085	24,078	15,158	16,274	17,835	20,239	7,300

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	40.31 %	40.31 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %	45.24 %
FIIs	28.19 %	28.80 %	24.07 %	23.46 %	23.03 %	20.67 %	20.76 %	19.14 %	17.48 %	17.01 %	20.97 %	21.63 %	22.31 %	23.19 %	21.95 %
DIIs	16.82 %	15.57 %	14.96 %	14.92 %	16.23 %	19.21 %	20.90 %	22.92 %	24.37 %	25.18 %	21.76 %	21.77 %	22.28 %	21.22 %	20.52 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	14.67 %	15.32 %	15.73 %	16.38 %	15.50 %	14.88 %	13.10 %	12.70 %	12.92 %	12.57 %	12.03 %	11.37 %	10.18 %	10.35 %	12.29 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Housing Finance	131.78	1,09,806.61	59.39	7,617.71	34.46	1,731	18.15	34.29
HUDCO	216.43	43,341.14	17.57	7,948.10	12.16	2,117	52.47	46.12
LIC Housing Finance	637.45	35,039.01	7.17	27,277.80	20.02	4,760	11.40	52.85
PNB Housing Finance	921.40	23,978.30	14.27	7,057.09	8.08	1,508	22.63	45.28
Aadhar Housing Finance	450.40	19,349.45	24.09	2,586.98	26.59	750	36.79	54.58
Aptus Value Housing Finance	344.75	17,231.14	26.87	1,416.84	24.98	612	20.73	44.68
Aavas Financiers	1,656.00	13,115.34	26.74	2,020.69	25.46	491	14.81	35.19
Can Fin Homes	862.60	11,488.54	14.00	3,524.70	28.49	751	33.80	50.00
Home First Finance Company	1,185.30	10,569.03	30.88	1,156.55	45.37	306	24.12	51.99
Sammaan Capital	143.20	10,541.05	8.45	8,624.77	-1.16	1,217	11.00	43.68